Trinity Bank, N.A.

Trinity Bank, N.A. is headquartered in Fort Worth and is the 284^th largest bank in the state of Texas. It is also the 3,587^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 14 employees at 1 location. Trinity Bank, N.A. has a 5-star health rating.

Data for Q1 2012

Institution Statistics Trinity Bank, N.A. FDIC Certificate # 57543 BankRate Report View Year Established 2003 Employees 14 Primary Regulator OCC Assets and Liabilities Assets $166.83 million Loans $83.43 million Deposits $146.51 million Equity Capital $19.22 million Loan Loss Allowance $1.37 million Unbacked Noncurrent Loans $221,000 Historic Data - March 2011 Assets $156.25 million Equity Capital $17.25 million Loan Loss Allowance $1.37 million Unbacked Noncurrent Loans $488,000 Profit Margin - Quarterly Net Interest Margin 3.4% Return on Assets 1.49% Return on Equity 12.97% Interest Income $1.51 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Trinity Bank, N.A. had $221,000 in non-current loans and owned real-estate with $20.6 million in equity and loan loss allowances on hand to cover it. This gives Trinity Bank, N.A. a Texas Ratio of 1.07% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Trinity Bank, N.A. decreased significantly from 2.62% as of March 31, 2011 to 1.07% as of March 31, 2012, resulting in a positive change of 59.06%.This indicates that the balance sheet and financial strength for Trinity Bank, N.A. has improved significantly in recent periods. Deposit Growth In the past year, Trinity Bank, N.A. has increased its total deposits by $8.6 million, resulting in 6.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Trinity Bank, N.A. has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Trinity Bank, N.A. has $166.83 million in assets with $20.6 million in equity, resulting in a capitalization level of 12.34%, which is excellent.

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